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Mortgage loan specialist skills for your resume and career
15 mortgage loan specialist skills for your resume and career
1. Customer Service
Customer service is the process of offering assistance to all the current and potential customers -- answering questions, fixing problems, and providing excellent service. The main goal of customer service is to build a strong relationship with the customers so that they keep coming back for more business.
- Delivered topflight customer service to clients, conducting attentive needs assessments to identify individual requirements and structure optimal loan product options.
- Provide customer service both internally and externally Review all HMDA information in registration before directing daily work flow to underwriters.
2. FHA
The Federal Housing Administration (FHA) stands for a government agency in the United States that offers housing insurance to FHA-approved lenders who follow certain conditions.
- Specialized to underwrite all investors such as Freddie Mac, FHA insured, VA, Private and HFI ad MAP loans.
- Cross Selling of bank products * Processed and closed conventional, FHA and VA home loans as well as Rural Development.
3. Escrow Accounts
- Keyed and verified sensitive information regarding mortgage loans, reconciliations, incentives, REO corporate advances, and escrow accounts.
- Plan and perform flood and hazard insurance audits to send to our investors that maintain the escrow accounts.
4. Underwriting Approval
- Submitted loan applications with recommendations for underwriting approval based on the type of mortgage submitted.
- Directed pipeline of 50+ loans for underwriting approval/closing process with delegated credit signing authority.
5. Loan Process
- Prepared required documentation to proceed with purchase transaction and collected necessary documentation for loan processing and underwriting review.
- Assist senior loan processors with validating borrowers' employment, mortgage premium insurance, and other mortgage-related documentation.
6. Credit Reports
Credit reports are statements that carry information about your credit affairs and current credit situation like loan payment history and credit accounts status. A credit report acts as history because it contains the record from the day you opened the account till your account balance. Potential lenders and creditors make use of credit reports and decide whether to offer you credit or not and under what conditions.
- Ordered finished proof credit reports, review for accuracy and transfer information accordingly.
- Remain knowledgeable of credit reports and underwriting analysis.
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- Provided for debt counseling to distressed customers and processed qualification for loan modifications under the government and private investor guidelines.
- Communicated directly with consumers regarding loan modification options to resolve delinquencies and ensure long-term performance.
8. Loan Packages
- Prepared loan packages received from loan officers for submission to underwriting for stipulations and final approval.
- 4-Reviewed loan packages for purchase determination.
9. Fannie MAE
- Worked with portfolio lending, Fannie Mae and Freddie Mac for loan approval on a variety of different products.
- Obtained strong knowledge of Fannie Mae, Freddie Mac, and company guidelines, policies, and procedures.
10. USDA
- Coordinated collection of required document from borrowers to processes and closed their FHA, VA, USDA, Conventional loan.
- Keep fully abreast of the regulations governing loan packaging and other relevant information regarding loan documents including USDA RD regulations.
11. Outbound Calls
An outbound call is made by the call center representative to the customers on behalf of the company. Such calls help increase sales and generate revenue for the organization.
- Processed inbound/outbound calls assisting homeowners experiencing financial difficulties with delinquent loans.
- Handled inbound and outbound calls to proactively collaborate with delinquent (3-29DPD) customers, third parties and attorneys.
12. Loan Products
- Originated first mortgage loan products for a self sourced client base while supporting the needs of an assigned banking center.
- Presented different loan products and features to clients to ensure the best product match for their budget.
13. Inbound Calls
- Received inbound calls, averaging about 120 calls per day, with a handle time of 3.50 minutes.
- Serviced Honda/Toyota sub-prime loan clientele by making outbound/handling inbound calls from delinquent customers according to FDCPA guidelines and quality assurance procedures.
14. Loss Mitigation
- Verified and educated borrowers on account eligibility, possible workout options, and/or loss mitigation procedures.
- Conduct presentations to other functional groups regarding loss mitigation, registration, and underwriting.
15. Loan Programs
- Reviewed files for specified loan programs and underwriter requirements.
- Processed and prepared mortgage loans under various loan programs for underwriting and closing in accordance with policies & procedures.
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List of mortgage loan specialist skills to add to your resume
The most important skills for a mortgage loan specialist resume and required skills for a mortgage loan specialist to have include:
- Customer Service
- FHA
- Escrow Accounts
- Underwriting Approval
- Loan Process
- Credit Reports
- Loan Modifications
- Loan Packages
- Fannie MAE
- USDA
- Outbound Calls
- Loan Products
- Inbound Calls
- Loss Mitigation
- Loan Programs
- HUD-1
- Investor Guidelines
- RESPA
- Loan Approval
- Financial Data
- Mers
- Loan Closings
- Payment Arrangements
- Financial Statements
- Account Executives
- Credit Worthiness
- FNMA
- Conventional Loans
- Customer Inquiries
- Tax Returns
- Bank Policies
- Freddie Mac
- Federal Regulations
- Credit History
- Interest Rates
- Escrow Analysis
- AS400
- Mortgage Loan Applications
- Commercial Loans
- Automated Underwriting
- Underwriting Guidelines
- Mortgage Products
- Mortgage Payments
- FHLMC
- LPS
- Flood Certificates
- HMDA
- Title Reports
- Calyx Point
- Credit Data
Updated January 8, 2025
